Kodi chidwi ndi chiyani?
Chiwongola dzanja ndi mtengo wogwiritsa ntchito ndalama za munthu wina. Mukabwereka ndalama mumalipira chiwongola dzanja. Chiwongola dzanja chimatanthawuza mfundo ziwiri zogwirizana koma zosiyana kwambiri: kaya ndalama zomwe wobwereka amapereka kubanki pa mtengo wangongole, kapena ndalama zomwe mwini akaunti amalandira ngati akufuna kusiya ndalama. Imawerengeredwa ngati gawo la ndalama zonse zangongole (kapena kusungitsa), zomwe zimalipidwa nthawi ndi nthawi kwa wobwereketsa kuti akhale ndi mwayi wogwiritsa ntchito ndalama zake. Ndalamazo zimatchulidwa ngati mtengo wapachaka, koma chiwongoladzanja chikhoza kuwerengedwa kwa nthawi yaitali kapena yochepa kuposa chaka chimodzi.